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WARNING. STAY AWAY from Total Rewards Caesars Credit Card Program! This company kidding you many times… again and again… They send you advertising. You have to activate them on the internet. If you spend more money with this Credit Card, you receive more points (3 times more points). After this promotion is the answer, the points will be credited soon. After couple weeks the final answer: You have not clicked the link. You missed the action. Zero Customer service. Result: I spend about $15,000 in two month with this card only and I lost about $300 on rewards. My result: I will not use this card anymore. M-Life has better offers and works serious.
So I have a credit card with one of their companies and suddenly I get a phone call from them saying I'm overdue on another credit card for another of their companies that I never signed up for. They say they have reported me to the credit bureaus for non-payment of items I never ordered from a credit card account I never opened. I believe it's an inside job, someone from Comenity took my info and opened the account. Trying to get to the bottom of it, they treated me like I was some sort of criminal. Don't go near them, terrible people.
I am so upset about this. I have tried to have this card reinstated as it is the longest running credit card I had. The individual at the bank was an absolute **. He would not listen to me and kept saying "Is there anything else I can do for you today..." No jerk... you have cancelled my card I have had since 2013 for no apparent reason. I made several attempts to make a purchase over the last 2 months but there was always something wrong with the website or they were going to mail me a new card (which I did) however, between them mailing me a new card and me receiving and using it (2 weeks), they cancelled my card for "non activity." Granted I had not used the card in 18 mo but I had made several attempts to do so and the problem was on their end... not mine. Now they have closed the card thus reducing the length of credit on my report and subsequently lowering my score. NOT HAPPY!!!
I would encourage anyone to not ever use Comenity Bank to get a credit card. They reduce your credit limit when they feel like it without cause. Then they close your accounts without cause. I had never been late on a payment, always paid more than more than the minimum payment and they reduced the credit limits on all three of my store credit cards I had with them after I had paid them off. The one card I had kept open with them, with a zero balance, 2 months after I had closed the other 3 accounts they close this account. AGAIN, I HAD NEVER BEEN LATE, PAID MORE THAN THE MINIMUM PAYMENT AND PAID THIS CARD OFF AND HAD A ZERO BALANCE! I will never shop at any of these stores again nor will I ever get a card with Comenity Bank ever again. They are horrible!
I have a Bj's MasterCard thru Comenity Bank and today I went shopping for clothes for my wife's upcoming trip. She got hundreds of dollars worth of clothes and we went to check out and our card was declined... Lucky I had debit card which I used. I called Comenity Bank and asked why my card was declined. They said it was declined because they were in the process of adjusting the account for a payment I just made online earlier. I try another store a 1/2 hour later and still was declined.
This is so stupid. I can't use my MasterCard if I make a payment until it clears. Imagine going out to eat at a restaurant and you can't pay your bill because of this. People ought to get rid of their MasterCard. I was told that I could use my card again the next day after contacting your agent Tuesday. I saw on my website that the payment was received and cleared. So today which now is Thursday I tried to use my card again to purchase something from Target and also our hearing doctor office and again it was declined. I called Comenity bank again and was informed that I pay my bill too often. The card will be available to use in a few days.
This is ridiculous when I use my Comenity MasterCard. I don't know if the card will work when I use it or not. It is embarrassing when the person tells you, your card is declined. Imagine dining out and you go to pay your bill and the card is declined and you don't have any other card and you don't carry cash. This is a stupid policy. And also I lost the rewards I would have gotten for the things that I bought. I really am upset with this. I ended up closing my account with the company. I would tell the people not to use a Comenity MasterCard. They have a stupid policy.
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I receive one bill from Comenity bank for Forever 21. They was charged my late fee twice. I called. They only removed $17 for late fees. I was then given the total outstanding bill. I paid the bill in full that date. Today, I received a bill with double late fees. A total of $43 was added to the bill. I called them. The person who answered my call was rude. I asked to speak to her supervisor. And asked for her badge number because I was getting nowhere with her. She told me she does not have to give me that information. So I asked her to transfer me to someone that could. She hung up.
Has an account with Pottery Barn and Wayfair. I missed a payment by 7 days, and they reduced my available credit to zero and cancelled my account and card. I had made correct payments and most were early payments. There was no reason to reduce everything. They had just increased my limit within the last 2 weeks prior to this. Bad business. Won’t be using them again.
I have lost my main source of income and fallen behind on my credit card payments. After missing 2 payments, Comenity Bank closed all of my accounts with them. I first learned of the closings from the credit bureaus. Two weeks later I got letters in the mail from Comenity Bank informing me of the closures. One of my accounts have fallen 3 payments behind. I am receiving no less than 8 robocalls per day. I decided to answer one of the calls to speak with someone and explain my situation. I was transferred to my account manager who was very rude and disrespectful using threatening, accusatory, and abusive language.
I had a card with NY & Co since 2017. Made purchases and paid the balances off. They stated they periodically review credit scores and make adjustments to credit limit as needed. On May 8th they reviewed my credit and did nothing to my credit limit. On 4 July, I made a $172.00 purchase, on 12 July I called customer services and paid $100 towards my balance. My remaining balance is $72. My balance was zero for the entire year and as you can see I make payments well before the due date.
On the same day I made a payment they drafted a letter telling me due to my credit score in May, my credit limit has been decreased to $100. Then they reported my credit decrease to the credit bureau on 16 July. I didn't get the letter until 23 July 2018. They waited until I purchased something to establish a balance and then they changed my credit limit so that it reflects on my credit report as using too much of my credit limit. However, they didn't report my $100 payment before they decreased my credit limit.
This bank is corrupt and likely is doing something illegal. I mean really... they are so corrupt that they will wait until you purchase something to decrease your credit limit so it looks like you are using too much credit. I will not purchase from any store who uses this bank as their credit account holder. They are callous and anyone who works for them should be ashamed. Especially if they know the unethical practices they perform and continues to work for them. I'm gathering all I purchased and returning back to them. I want nothing to do with NY & Co or Comenity. Additionally, I'm checking any store that I frequent, if they use Comenity Bank I will stop paying my money to them. I will shop at Kohl's and anyone else who does not use Comenity.
This is the worst credit card bank you can ever have. The Bank will get back any offer made by opening and purchasing with the sponsor on your first purchase. My first bad experience was with Ikea Card, I opened and used the credit card on same day (condition for the offered credit bonus); after purchase made they closed my monthly statement NEXT Day. My second experience was with Wayfair Card. My online scheduled payment did not go through, I wasn’t informed by any means and they charged a return payment fee for the exact amount offered to open/use their credit card.
I called Customer Service and she was very fast in explaining the situation stating that my bank refused the payment, without giving any reason and mocked my misunderstanding on setting up the online bank payment on their website. Customer Service also did not want to listen but only to explain their view over my payment. I decided to close both credit cards. Thank you for reading and hope it was helpful.
I wish I had known about this company before opening an account through Carson's/Younkers. I was told of all the great benefits I would receive so I signed up knowing I was going to pay off the balance immediately. Carson's then went bankrupt and all benefits were canceled. I tried to pay off the balance through ACH. I thought everything was paid. I was shocked when I received another bill with fees of course. I went online and re-entered my bank info for the ACH. I checked a few times and the account showed paid. I received a letter in the mail advising me that my payment was returned (it never made it to my bank because Comenity cannot set up an ACH payment correctly).
The letter advised me to send in a specific amount of money which I mailed immediately, thinking the account was now 0 balance, I closed it. I then received a statement about a $27.00 fee and minimum 2.00 interest. I paid this but it was after their "due date". I then received another statement for $27.00 and $2.00 interest. This is like a loan shark. Who charges $29.00 on $29.00 and how do they get away with such crazy fees. Never sign up for an in-store credit account if it is through Comenity. RUN, FAST!!!
I agree with the many reviews here that say that this company will do ANYTHING to charge additional fees. I paid my bill IN FULL and it reflected a zero balance. Three months later I began getting repeated calls from them for collecting $80+ past due on the account and I at first thought that it was a crank call or a scam and went online to see what was reflected in my account. I could only see the current month so I called and was told that when I had paid in full, I had done so two days after the payment was due, and therefore even though I had seen a zero balance, they had later charged a $35 late fee.
Then when I didn't pay that $35 (which I didn't know they had charged) they charged 2 more late fees in subsequent months for failing to pay those fees. I had 3 different calls one day on the insanity of this issue and got promises of making adjustments all of which the next call said had not taken place. All I can say is don't take out a credit card at a clothing store as it will often be Comenity and you will pay MUCH more than you ever save.
OK-A few months back, I was having trouble financially so I was late with my payment. The CSR at Comenity for Trek Bikes told me to just skip and pay next month, so I did. She said it was "no big deal" and just pay next month and that it would not affect my APR, etc. I asked her if she was sure, and she said it was fine. I took this to heart, and didn't pay. I got a collections call, which really made me angry so angry that I could not even deal with them on that day, so I called a few days later and talked with a csr who informed me that I was going to be charged a fee for being late, however I could avoid the fee if I paid on my account to make it current that day. I told her that I had to call my bank to make sure I could afford to pay the extra added expense. She told me that I had until 11 PM EST to call, but If I did not call back, I would be charged a fee.
I called back around 10 PM EST, only to discover that the call center was closed. It turns out the call center was on the West Coast and the csr incorrectly calculated the time difference. I called back the next day, and spoke with a man. I explained the situation, and he refused to allow me to avoid the fee incurred by the female csr's mistake. I was angry and complained about it being the female's fault, but the guy was being a jerk about it. I asked to talk to a supervisor, and he put me on hold for several minutes... It seemed passive aggressive. I hung up, and called back and got someone who was helpful and waived the fee, thankfully. But this is not where it all ends, sadly.
There have been many miscommunications from the reps, and I have since racked up several late fees, and when I call to try to get on top of things, it is all messed up. After fees and a few bounced checks as a result of their bad information, I have incurred several hundred dollars in fees with my bank as a result. Yes, I was miscalculating my money and tried to pay Trek, went overdraft, and it was my fault for not understanding how much money I had in the bank/couldn't cover expenses, but this whole thing started from someone telling me that I did not have to pay a month. These csr need to understand that they are dealing with peoples' financial lives. In all fairness, I eventually got a csr manager who cared and apologized, but she and Trek said they could do nothing. Don't rely on these csr people to give you accurate info. Also, when your anger is justified, they will just mess with you if you get mad.
I had this account with Bealls for over 2 years and they increase my account limit. Then I used my card and my credit score goes down by 32 points and they lowered my credit limit. And then another 2 months they gave me no credit at all when I had always made my payments on time and even paid more than the monthly limit. I will never use them again and shop at any stores that uses them. This goes for Bealls and Goody's as well as Palais Royal. I will take my business to Kohl's department stores. They treat people like crap. Give them a card and then don't let them use it. INDIAN GIVERS! If you do not want to become victimized do not use this bank!! Comenity has no integrity and shows poor business matters.
I am very disappointed by Wayfair and Comenity Bank services. They are absolutely dishonest and fake people. They provided me torn sofa initially but I agree that they easily accepted to replace it. I made purchase of 1100$ in last year September 2017 and until today, in period of 10 months when I am making all the installments, I still owe them 919$. They know how to make money by being dishonest and fooling around. Neither of them will take responsibility to help you in situation like I had. If you want to make payment, automated voice should help you otherwise you can make payment with bank only after due date which adds equal amount of late fee as of your monthly payment. And you go nowhere. I have closed my account with them. Think or quit before you made your mind!!!
I pay my bill one month in advance. Because of the way I receive my direct deposit. My May 2018 payment fell on a date that was 2 days before their system software closes account statements cycles. Comenity applied my payment to the balance I owed and then charged me a $25.00 late fee. I called and spoke to a customer service agent and was told that their system doesn't recognize that the payment I made was for the following month's payment due because the closing of their statement cycle is the 25th of the month.
This is what banks do. Comenity is no different and because they only offer a one time late fee waiver every 18 months they would not waive the $25.00 late fee. As a paying customer/consumer I've purchased a few items from Wayfair. I do not have any issues with any of the items I have purchased, if anything came to me damaged Wayfair took care of it and either issued me a credit or sent me a new item. However, I will cancel my credit card account with Comenity Bank, by whatever means they can to extract additional monies from the consumers they will. I have not been late, I always set up my payments to coincide with my direct deposit so that I am not late, and because of the way they close their statement cycle they applied my payment to the balance due and charged me a late fee, which negated that payment.
Plus they put my card balance to zero because of the late fee payment that was due. All this for $25.00 and all I owe is $135.00. Anything I purchase from Wayfair in the future will be from my own account or my other credit cards, Amazon has a great deal, and will NEVER accept another credit card that is backed by Comenity Bank, they are gougers. I am one, most likely, of many they do this to. How much money does Comenity Bank make just from late fees? Consumers be aware! Do not apply for any credit cards that are backed by Comenity Bank. If you qualify for a credit card there are more companies that are so much better than Comenity Bank. As I mentioned Amazon has a credit card that is so much better, just to mention one. Plus you get money back just for using it, and you can use it anywhere to make purchases not just Amazon.
On 5/30/18 I found out I had a balance of $36, but it was zero before that for a bit. Due to the hustle and bustle of wedding plans, wedding guests, and all others do details that go into planning a wedding I did not remember this small charge. They emailed me and I promptly went online to pay but by accident sent it to Comenity hot topic account. It was my fault. I made an honest mistake and then forgot to resend $$ to correct Orbitz Visa account. I called them and they said they will credit me the late charge which ended up only half of the fee! They also said nothing would be due till July. Well yesterday I went to pay for balance of honeymoon and found my CC account frozen and limit was lowered to $750 from $3000. They then said the freeze couldn’t be lifted for a month. For a lousy $87 balance.
I talked to them and supervisor and they didn’t care. I paid $50 right away to assure them I’m good for the $$ (I wasn’t sure if they would fix the $16 refund from the $36 penalty to the full amt.). But alas nope they were not going to forgive me and they wanted the amt paid in full. I sent note to close acct and today received a call and a text for the final $37. Which I told them over and over it was sent immediately via my bank (arrival 06/26/2018).
Now that I want to close my account they know my text. Oh ya the written confirmation said it was my fault I missed the due date... I already told them I was at fault... Duh! We have tons of other companies with accounts and none are this ** or cheap! Most will call back and try to accommodate Citi-Bank, Synchrony, Credit One, etc. So be warned Comenity does not care if you are human! They just want their $$. I’m sure it’s the $$ they want and not the customer!!!
I also researched that by LAW they have to tell you 45 days ahead of time before they change anything.
Now my credit score has tanked by 50 points as it looks like I have maxed out this card. I am so disgusted with this company, you only have until 8 pm to make your payment online. Who else does that. I thought 11:59:59 was still the same day. My other card with them is for a eye surgery with no interest for 2 years. I am a year into the payments and they charged me interest on that account. Their answer to that was if the balance is not paid in full each month then you get charged interest. I paid them in April on the 20th which is my due date, they charged me a late fee and of course no one can tell me why.
What kind of SCAM are they running? I hope that retailers come around to these practices and go with another company. I will be paying off and closing all cards with them! Not worth the extra work to keep MY MONEY IN MY POCKET and not theirs! I have reached out to this company several times, the person you speak with NEVER does what they say they are going to do even when the call is recorded.
If I could give it zero I would. I never received my card. By the time I realized and called asking about my card I had received interest and late fee charges. My $30 purchase was now over $120. When I contacted them they offered to resend my card but would not wave the fees. Needless to say I cancelled the card and had to pay an extra 90.00 in fees on a card I never actually received. Besides this shady disregard for customers - Cards hold a very high interest rate, easy to obtain. So tempting but STAY AWAY if you are someone that carries a balance month to month.
Recently I just received notification my Big Lots credit card as well as my Modell's credit card has had the credit limits decreased. When I called them they told me I would receive a letter in the mail and it said that my limit was decreased based on my credit score dropping significantly to 589 on May 18th of this year. I in order to see if it was the truth I check my credit score but my other credit cards and they were absolutely wrong. I do not understand where they got this incorrect information when I was just approved credit card by Chase Bank. I checked my credit score on multiple places and my score was not even where they said it was. It was much much higher now. They want me to prove it and write them a letter. They say I cannot speak with anyone at risk management at Comenity. I am gathering the information and sending what they asked.
This place is a joke. I have several cards with them. I have NEVER missed a payment, they kept raising my limit, only to drop it stating my utilization was too high. So lowering my credit limit will help that how??? It will hurt my credit. No one there will help or explain. Now I get letters that the cards that have zero balance are being canceled??? This place is shady and I plan to fight this.
I had a payment due for April that I paid on 4/19/2018. The May's payment (all payments are the same amount each month) I made another payment on 5/4/2018 for May statement. They put both payments in under April's billing statement and cut off my credit and doubled my payment saying I did not pay for May's bills. We have had words and email and nothing was settled. I am on disability and cannot afford extra payments which they expect $231 due in 5 days. NEVER DO BUSINESS WITH THE COMPANY.
If you don't have a card with this bank. Never get one. They play gamble with your credit. If your score drops for whatever reason, they drop the available credit on your accounts thus damaging your credit even further. I have had about 5 of their cards for over a year and it is a gamble. They drop the limit on your cards especially the ones that you are using to make it seem as if you have 100% or overutilization and the cards that you're not using, they close them so that they can damage your credit even further.
I truly believe that they are there to hurt you even more. I have never been late on any of their cards, but as a result of them doing this, my score dropped significantly. This should not be done to the average consumer who pay their bills on time and want to have a good credit rating. I have paid off all of my cards and thrown them in the trash. No one should use this bank for any reason. They do not have the best interest of the consumer. This horrible practice should be discontinued.
I received an email this morning for the first time EVER telling me my statement was ready to be viewed. I was confused because I haven't used this card since April (which was the first time in about a year that I used it). I checked my account and saw that I had paid my bill in FULL in May (or so I thought). Apparently I was charged a late fee but it wasn't yet added to my account. So, I now have TWO late fees to my account, that I was not made aware of until TODAY. The representative told me I have been mailed and emailed three statements since April. I have not received anything except for the May billing statement that I used to make my payment and the email this morning. I will be canceling my card, because I am not going to continue paying late fees for something I don't even use. I will NOT recommend this bank to anyone.
Have had a credit card with Total Rewards for about 5 years. Comenity Bank is the bank in which the payments go to for said credit card. I take pride in making my payments on time and having an 800+ credit score, or I did. On May 1st I made an electronic payment to Comenity for my cc bill, which was due on the 3rd. Checked my checking account, saw that the payment was made. Checked my cc online statement to see what my balance had come down to and noticed that it still said that there was a payment due. Called Comenity and they said they never received my payment. Called my bank and told them, they said they would look into it. The following day I received 3 emails from my bank, the 1st was to tell me they closed the investigation, the 2nd stated that Comenity returned my payment and the 3rd was to tell me that the payment would be redeposited into my checking account.
I called Comenity and spoke with a very rude customer service rep. who assured me that would never happen. I explained to her I had the 3 emails from my bank, she really didn't care what I had to say. So the "wonderful bank Comenity" has contacted TransUnion and Equifax and sent my excellent credit to the bottom of the barrel, by stating I had missed a payment when in fact I made an electronic payment within 3 days. I have another bank that I could do a balance transfer with, so I paid off the balance with Comenity, and I will never do business with again, I have a $145.00 credit that I want deposited into my checking account, that is taking them forever. I should charge them the 19.49% interest they were charging me!!! Horrible Bank, Horrible Customer Service!
I have a few store accounts with Comenity. Most of them are at a zero balance. I have had a rough patch the last few months with some personal problems that caused my credit to decrease. I never went over my limit nor did I miss a payment with any of my cards in the year or two that I have had them. Yet, somehow (they say because they check my credit every 30 days and they do this because they need to protect their investment) my credit limits were decreased from 650 to 250 and 250-100. Now, cards that were less than 1/4 used are maxed out and my credit dipped even more! They told me it would continue to do so until they feel that I have become creditworthy again. My problem here is I never missed a payment with them. Not one.
Why in the heck does it matter than that my score dipped. Capital One, nor Discover lowered my credit limit and I actually missed one payment with them once in 3 years. I don’t see my Walmart account availability changing either! When these cards are paid in full I will be closing them all. The ones I keep for “just in case” that are but zero balance, they’re being closed now. I cannot believe this is a legal practice and I cannot believe that this happened to me. Don’t let it happen to you, find a different company or save up to get what you need! Don’t ever open an account with them!!
I have a CC with Torrid and I have always paid on time until this month. All of a sudden I go to purchase online and it says they lowered my CC to $100.00!!! Why even bother and for what? This is crazy and a disgrace. You best believe I will cancel my card now, they don't deserve my business.
I opened a Home and Garden Showplace Discover card through Alsip Nursery when I bought my patio furniture being told there was 6 months interest free if paid in full. Well I sent a big chunk of money the first month (9/2017). It was sent by e-check through my bank. I sent a payment in 10/2017 that went by electronic debit and I have proof that it cleared my account and was sent to my account number with the company. They are claiming they never received it. However they received my 11/17, 12/17 and two payments in January. It has been over 8 months now of me disputing and sending proof of the funds making it to them. They keep telling me they never received the money and that I would have to send a copy of the check to prove it. Well it went electronically and I provided the electronically transmittal form that shows all of the transaction details and everything and they still continue to deny my dispute.
I have filed with the FDIC, BBB (which they are not even accredited by because they have so many complaints against them). My bank is trying to help me but I feel that I am fighting a losing battle. I have contacted my local news company, I have wrote Alsip to inform them of how ** this bank's service is and how I feel I am a victim of a scam. Either someone is stealing money internally or the money was applied to someone else’s account. I don’t know but my money was delivered to my account number with the company and they will not get another dime from me. Now I don’t know what my next step will be... small claims court, Attorney General's, civil suit. I don’t know but they will NEVER see my business again.
Comenity Card for Victoria’s Secret - My credit limit was decreased to 200 with no notice or reason provided. I called customer service, the rep was confused as he could see I had no missed payments which is typically what makes them decrease your credit limit. I was told I should receive a letter in the mail, I checked the mail while on hold and found a letter from them which states my credit limit will remain at 370. I asked the rep how are they showing a credit limit lower that’s in the letter they themselves told me to watch out for. I was told I have to write and mail a letter, no one there can answer that. Right because writing and mailing a letter and having to wait to receive a response is so convenient while they just dumped your credit score. So frustrating, will be reporting to the BBB.
Earlier this year, I hit a financial rough spot and could not pay my creditors for a few months. I expected the collection calls that came in multiple times a day. When I was ready to get my feet back under me, I tried to make arrangements through the Website since I'm hard of hearing, but my needs were ignored and I was given a phone number to call. When I called Comenity's inappropriately named Customer Care, I was told I would need to pay an amount that would be impossible for me to manage to get me up to date. Really, if I had that kind of money lying around, I wouldn't have fallen behind in my bills.
Getting the guy (who mumbled his name like so many of them do) to give me a manageable payment structure was like pulling teeth. He gave me an amount that would "keep me out of collections" and told me to call back in a couple of days to arrange further payments. I don't know what he thought the benefit of this would be since I wouldn't be any more solvent in three days. I called back only to be routed to another agent who told me that the amount I was told to pay would not be sufficient and that I needed to pay an additional amount on BOTH my cards.
By the end of the phone call, I was set up to make two additional payments to bring me current. I was warned that the collection calls might not stop right away but that I would not incur any more late fees. This should have been my first sign that the left hand doesn't know what the right hand is doing there. Lo and behold, I get my next bill and it still says that I'm past due and there's a $38 late fee on BOTH my cards. Let the circus begin. I exchanged several Secure Message Center messages with customer disservice agents which amounted to the late fee being waived on one card and a lot of runaround and canned responses on the other. Clearly no one was actually reading my messages and no one cared that I had clearly been lied to about the late fees.
This has gone on for so long back and forth with Comenity that my next monthly statements have arrived with additional late fees. I'm afraid to even guess what will happen when I've finished my payment plan and am supposed to be back to making regular payments. At this point, I am completely disgusted with Comenity and their useless "Customer Care" team. Along with the intent of closing all my accounts with them as they are paid off, I'll be avoiding retailers who use comenity for their customer credit cards. It's a bad reflection on any company that they do business with Comenity, and it's not worth the stress.
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